[求助]贷款学费要怎样还？

JulesAmber

我贷款了一年的学费。(tution fee loan)
毕业了以后要怎样还清。
我知道有两种方法。一次性付清或者是分期付款。
但是谁知道具体情况。比如说期限和利息的问题。

^zoe^

怎么贷的啊？在新加坡贷？

JulesAmber

<P>嗯。对呀。</P>
<P>只有有一个人年满21的新加坡人或者PR做担保人就可以了。</P>
<P>应该只是政府学校。</P>
<P>80%的学费银行贷款给你。20%的自己出。</P>
<P>有没有人回答我？</P>

lkjhg

<P>[em06]贷款？哪个不是助学金么？</P>
<P>要是贷款的话，我能拿80%的助学金再拿20%的贷款么？</P>

JulesAmber

<P>就是在减免的基础上再贷款阿。</P>
<P>这样就只要出一两百块钱的学费了。</P>
<P>怎么还是没人回答我哦。</P>

lkjhg

你太猛了.....差不多得了....

小鱼王子

<STRONG>楼主哪个学校？</STRONG>

JulesAmber

<P>钱是已经欠下了的。我只是想知道怎么样还而已。</P>

JulesAmber

<P>在nus的网站上找到了些资料。我想我比较清楚了。贴过来供有兴趣的人参考。poly也应该是一样的情况。</P>
<P>Graduate Programmes<BR>Tuition Fee Loan Scheme</P>
<P>
<TABLE height=77 cellSpacing=1 cellPadding=2 width="100%" border=0>

<TR vAlign=top>
<TD colSpan=3> </TD></TR>
<TR vAlign=top>
<TD width=21>
<P>(a) </P></TD>
<TD colSpan=2>To assist graduate students, a Tuition Fee Loan (TFL) scheme, on the same terms and conditions as that for undergraduate students, was introduced with effect from the academic year 1995-6. All students enrolled in the research degree (both full-time and part-time) or full-time coursework programmes (except self-funded programmes) are eligible to apply for the TFL. These students can apply for loans of up to 80% of their tuition fees for regular semesters (excludes fees for special term). </TD></TR>
<TR vAlign=top>
<TD width=21> </TD>
<TD colSpan=2>
</TD></TR>
<TR vAlign=top>
<TD>(b)</TD>
<TD colSpan=2>The following categories of graduate students are not eligible to apply for TFL:</TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD colSpan=2><FONT color=#0000ff>A*STAR Graduate Fellowship holders <BR>ASEAN Graduate Scholarship holders <BR>MOE Scholarship/Bursary holders <BR>NUS Research Scholarship holders<BR>PSC Scholarship/Bursary holders <BR>SAF Awards <BR>Part-time coursework students<BR>Students in self-funded programmes</FONT></TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD colSpan=2> </TD></TR>
<TR vAlign=top>
<TD>(c)</TD>
<TD colSpan=2>The terms of the loan are as follows:</TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD width=17> </TD>
<TD width=466> </TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD>(i)</TD>
<TD><STRONG>Interest Rate</STRONG></TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD> </TD>
<TD>Interest at the average of the prime rates of the following banks, DBS, OCBC and UOB, prevailing on the first day of each quarter or at such other rates as may be determined from time to time will be chargeable on the loan after graduation. For Borrowers who complete their graduate studies and graduate during the following periods, interest will be chargeable with effect from the following dates:</TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD> </TD>
<TD>
<TABLE cellSpacing=1 cellPadding=0 width="100%" border=2>

<TR>
<TD width="36%">Graduation</TD>
<TD width="64%">Interest chargeable with effect from</TD></TR>
<TR>
<TD>1 January to 30 June</TD>
<TD>1 August in the year of graduation</TD></TR>
<TR>
<TD>1 July to 31 December</TD>
<TD>1 February in the year following graduation</TD></TR></TABLE></TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD> </TD>
<TD> </TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD> </TD>
<TD>For this purpose, "graduation" shall be deemed to have taken place when the Borrower passes the final examination (main or re-examination) or is deemed to have fulfilled all the requirements for the award of the degree. Interest is computed on a monthly rest basis and based on a 365-day year. In the event that the Borrower leaves NUS without completing the graduate programme, interest will be chargeable with effect from the first day of the month immediately following the month in which notification is given to the Bank.</TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD> </TD>
<TD> </TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD>(ii)</TD>
<TD><STRONG>Repayment</STRONG></TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD> </TD>
<TD>The repayment terms are as follows:</TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD> </TD>
<TD>
<UL>
<LI>Repayment of the loan can be in one lump sum or by equal monthly instalments commencing not later than two years from the date that interest is first chargeable on the loan.
<LI>The minimum amount of repayment is $100 per month and the maximum repayment period is 20 years.
<LI>In the event that the student leaves the University without completing the graduate programme, the loan outstanding will immediately become due and payable. He may, however, repay the outstanding sum by monthly instalments on such terms and conditions as the University may allow depending on the circumstances of each case.
<LI>Early repayment of loan in full or in part will be allowed after 7 working days' written notice has been given. Partial repayment may be made in multiples of $1,000. </LI></UL></TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD> </TD>
<TD> </TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD>(iii)</TD>
<TD><STRONG>Guarantor</STRONG></TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD> </TD>
<TD>One guarantor above 21 years but not exceeding 60 years will be required. No income qualification will be stipulated. Applicants who are Singapore citizens must have guarantors who are Singapore citizens.</TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD> </TD>
<TD> </TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD>(iv)</TD>
<TD><STRONG>Late Payment Charge</STRONG></TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD> </TD>
<TD>Penalty interest will be levied at the rate of 1% per month on instalments in arrears.</TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD colSpan=2> </TD></TR>
<TR vAlign=top>
<TD>(d)</TD>
<TD colSpan=2>The University has appointed the following banks as agents to administer the TFL scheme:</TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD colSpan=2><FONT color=#0000ff>Development Bank of Singapore (DBS Bank)<BR>Overseas-Chinese Banking Corporation (OCBC Bank)</FONT></TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD colSpan=2> </TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD colSpan=2>Application forms for loans under the TFL scheme are obtainable from the Office of Finance (Level 1, University Hall) or the Faculty's Graduate Division. The form is also available at:</TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD colSpan=2><a href="https://team.nus.edu.sg/registrar/info/ug/TFLFORM.pdf" target="_blank" >https://team.nus.edu.sg/registrar/info/ug/TFLFORM.pdf</A></TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD colSpan=2> </TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD colSpan=2>First-time applicants and their guarantors are required to call personally at the bank with the completed application form (which must be signed in the presence of a bank officer), their identity cards/passports and the letter of offer of admission to apply for the loan. Applications must be submitted by the second week of the semester. In the case of research students who are admitted during the semester, applications must be submitted within the first two weeks of the date of registration.</TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD colSpan=2> </TD></TR>
<TR vAlign=top>
<TD>(e)</TD>
<TD colSpan=2>Students who require further clarification on the TFL scheme may contact:</TD></TR>
<TR vAlign=top>
<TD> </TD>
<TD colSpan=2>
<TABLE cellSpacing=1 cellPadding=0 width="100%" border=2>

<TR>
<TD><FONT color=#0000ff>OCBC Bank</FONT></TD>
<TD><FONT color=#0000ff>DBS Bank</FONT></TD></TR>
<TR>
<TD>Toll-free hotline: <BR>1800-</TD>
<TD>Customer Service Hotline:<BR></TD></TR></TABLE></TD></TR></TABLE></P>